Are you in credit prison?

How does honest, legal, moral and ethical credit repair work?

What is a credit report?

Learn what is, and what is not, included in a credit report.

We Are Credit Experts

Your credit score is the most important three-digit number in your life. Improving your credit can lead to savings of hundreds of thousands of dollars over the life of a mortgage. In addition, a better credit profile can help you with credit card rates, auto loans, and help you get that job you wanted.

Sometimes, though, life can get a little out of hand and you may fall behind in bills, run up a lot of debt or make other mistakes that can ruin your credit score. A bad credit report will raise your interest rates and make it even more difficult to catch up. That is where we come in.

We offer credit and financial consulting and work to improve your overall credit profile, so you can recover and save thousands to hundreds of thousands on your mortgage, credit cards and more.

How a Low Credit Score Can Cost You

A low credit score hurts your ability to get loans, and raises the cost of credit when you can get it. Credit scores are also used for insurance rates, renting and even employment.

A poor credit score can cost you hundreds of thousands of dollars over your life. Enter in a FICO score and a Loan Principal below to see how much a poor FICO score can cost you on just your mortgage. If you are a home owner or looking to buy, raising your FICO score is the most important thing for you to do. A better score not only means lower payments, but can mean a bigger house, the chance to take out more money on a re-fi, or even the difference between being able to buy.

Your Credit Score Affects

Homeowner's Insurance
Car Insurance Payments
Car Loan Payments
Personal Loans
Mortgage Refinance
Job Opportunities
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How We Help to Improve Your Credit Profile

We attack your credit from multiple angles.

First, we work with you on devising an action plan for things you can do to maximize your credit profile; simple adjustments to the way accounts are being reported can have a massive impact on your overall credit grade, and profile. We educate you every step of the way so you know how you can continue to manage your credit long after your time with us.

Next, we work together to review your credit line by line to identify items that are potentially reporting incorrectly, items that are outdated, unverifiable, misleading, or questionable. We assist in the correspondence needed to interact with the major credit bureaus and your creditors to remove or correct these questionable negative items from your credit report.

During this entire process, you are able to login to your file 24/7 to view recent activity, messages from our staff, and to see what negative items have been removed from your report. The most important part is that everything we do to raise your score is 100% legal and governed under the Credit Repair Organizations Act.

Our clients have the opportunity to save hundreds of thousands on their mortgage, credit card bills or even their car insurance. Call us at 845-371-6501 for a free consultation…you have nothing to lose!



Don’t just listen to us. Here are what people say about us.

  • Outstanding Helpful Efficient Pleasant to deal with Highly recommendable - Zalman Z. Kew Gardens

  • When creditors were turning my life upside-down, I turned to D&F Credit Consulting for help.  They pulled me out of despair, and repaired my credit way beyond my expectations.  My credit score is now in great standing, and I have been able to get back on my feet.  The staff at D&F Credit Consulting was professional, courteous, and sensitive to my situation.  I will always be very grateful to them for turning my life around.  - M.G.

Contact Us

Your opinions are important to us. Whether it is a simple question or a valuable suggestion, we are here 24/7. You can call us by phone or email us directly.




8 Roberts Road
Monsey, NY